Phone.com review for insurance agents: pricing, dialing and compliance
Phone.com is a business phone system with texting, menus and queues. Its terms ban auto-dialing, so agents dial by hand or from Zoho CRM.
Plus suits most small agencies. Pro adds call recording and the Zoho link.
- Best for
- Small agencies that want office phones and texting, with manual dialing only
- Type
- Business phone system. Its terms ban auto-dialing
- Price
- Per user, prices on its site
- Dialing
- Manual and click-to-call only
- Texting
- Unlimited conversational texts on Plus and Pro
- Recording
- Included on Pro, an add-on on Basic and Plus. 13 months in call logs, 30 days promised
- CRM connections
- Zoho CRM on Pro. Others through Zapier
- Free trial
- No. 30-day money-back guarantee on user fees
Our take
Phone.com is for offices that answer and return calls, not for working lead lists. The terms ban auto-dialing, and unlimited plans exclude call centers.
Plus gives unlimited calling on one line at a time and unlimited conversational texts. Pro is worth it if you record calls.
Canceling takes a phone call during business hours, and all logs disappear once you do.
Pros
- Plans can be mixed user by user
- Unlimited conversational texts on Plus and Pro
- Optional live receptionist service
- 30-day money-back guarantee
Cons
- Auto-dialing banned by the terms
- Terms promise recordings for only 30 days
- No compliance tools
- Cancel only by phone on weekdays
- Only Zoho CRM connects directly
- No call coaching tools
Plans and pricing
- How it's priced
- Per user each month on Basic, Plus or Pro, billed monthly or yearly
- What changes the price
- The plan for each user, since plans can be mixed, and yearly billing
- Extras
- Extra numbers, recording on Basic and Plus, a cell line, a live receptionist and texting registration fees
Prices are per user on Basic, Plus and Pro. See phone.com for current rates.
Good to know before you buy
- Unlimited calling covers one call at a time. A second call at once uses metered minutes.
- Unlimited plans aren't for call centers or call blasts.
- The price does not include taxes, 911 fees or regulatory recovery fees.
- The money-back guarantee excludes premium numbers and hardware.
Which plan has it
| Feature | Basic | Plus | Pro |
|---|---|---|---|
| Business calling and apps | |||
| Unlimited US and Canada calling | |||
| Unlimited conversational texts | |||
| Voicemail transcripts | |||
| Call recording | Add-on | Add-on | |
| Call analytics | |||
| Zoho CRM | |||
| Auto attendant and queues |
Dialing modes
| Mode | What it does | Lines per agent | Plan |
|---|---|---|---|
| Manual dialing | Dial from a desk phone, the apps or a ProSIM cell line | 1 | All plans |
| Zoho click-to-call | Dial from a Zoho CRM record | 1 | Pro |
- Auto-dialing
- Banned by the terms, along with predictive dialing
- Voicemail drop
- Not offered
Inbound calls and transfers
Calls route by menu, hours, holidays and queues that ring members in order. An optional live receptionist service can answer and transfer.
- Routing
- Business hours, holidays, forwarding, menus and queues
- Queues
- Ring members in order, with hold music and a maximum wait
- Phone menu
- Auto attendant and dial-by-name directory
- Transfers
- Warm and cold
Phone numbers and spam labels
- Who supplies numbers
- Phone.com, including local, toll-free and vanity numbers
- Porting in
- Yes. Keep the old number active with matching name and address
- Taking numbers with you
- Start the port with the new carrier and keep the account open. A per-number port-out fee is allowed
- Unused numbers
- Can be reclaimed with two weeks' notice
- Local numbers
- Buy numbers in any area code
- Call signing (STIR/SHAKEN)
- Phone.com says it signs calls. Ask which grade your numbers get
Do Not Call, calling hours and consent
- National Do Not Call list
- Not scrubbed. The terms put calling law on the agency
- Your own do-not-call list
- No built-in list. Call blocking is available
- Calling hours
- Not enforced for outbound calls
- Consent records
- Kept by you, as the texting policy requires
- Opt-outs
- STOP and similar words end texts after one confirmation
All yours Phone.com supplies phones and texting. Scrubbing, calling hours, attempt limits and consent records all stay with the agency.
Texting and registration
- Plans with texting
- Unlimited conversational texts on Plus and Pro. Limited on Basic
- Pictures
- Yes
- Carrier registration
- You file the 10DLC registration (US carrier registration for business texting) in Phone.com's portal with your tax ID
- Approval time
- 3 to 15 business days after the brand is approved
- Fees
- Passed through with no markup
- Opt-out words
- STOP, UNSUBSCRIBE, CANCEL, END and QUIT
- Bulk texting
- Costs extra. Beetexting is the named partner for marketing texts
Call recording and Medicare
- Recording
- All calls, inbound, outbound or custom. Included on Pro
- Recording notice
- A tone every 15 seconds by default, which can be turned off
- How long it's kept
- 13 months in call logs. The terms promise only 30 days
- Export
- MP3 download while the account is open
- After you cancel
- Logs, texts and recordings can't be reached
Under CMS's rule for the 2027 plan year, Medicare sales calls need six years of storage. Download recordings to your own archive well inside the 13 months.
CRM and agency system connections
| Connects to | Type | How | What moves |
|---|---|---|---|
| Zoho CRM | CRM | Built in | Click-to-call, screen pops and call logs |
| Zapier | Automation | Zapier | New calls, texts and voicemails to Salesforce, HubSpot or Zoho |
| Beetexting | Texting | Built in | Marketing texts from Phone.com numbers |
Zoho needs Pro. Zapier is billed separately. No agency management system connects directly.
Reporting and coaching
Reports
- Call analytics on Pro
Coaching
- No listen, whisper or barge tools
Getting started
Sign up
Pick a plan per user. The 30-day money-back guarantee covers user fees.
Port your numbers
Keep the old service live with matching name and address.
Register for texting
File your brand and campaign in the portal. Allow up to 15 business days.
Set routing
Build the menu, hours and queues.
Connect Zoho or Zapier
Link calls to your CRM.
Support is around the clock, with a help center.
Contract and canceling
- Term
- 30 days, renewing. Yearly billing is optional
- Notice
- 15 days, by phone
- Leaving early
- The rest of the current term is due
- Refunds
- 30-day money-back on user fees
- Canceling
- By phone only, weekdays 10 AM to 6:30 PM Eastern
- Your data
- Download recordings, logs and texts first. Access ends at cancellation
Terms as of October 2026, from Phone.com's terms and help center.
What users say
What reviewers say most often, as of October 2026.
What users like
- Price
- Support
- Setup
What users dislike
- Analytics and recording gated to higher plans
- Call drops and app lag
- Bill surprises
- Cancel by phone only
Phone.com alternatives
- Ooma OfficeFrom $19.95 a user per monthIts parent company, with a list dialer and AgencyZoom link
- NextivaFrom $15 a user per month, billed yearlyPhones plus a predictive contact center
- RingCentralPer user, prices on its sitePhones with outbound campaigns on RingCX
- DialpadFrom $15 a user per month, billed yearlyPhones with a separate power dialer
- QuoFrom $15 a user per month, billed yearlyShared-inbox phone and texting for small teams
See every option in insurance dialers.
Frequently asked questions
How much does Phone.com cost?
Phone.com charges per user each month on three plans, Basic, Plus and Pro. Check its pricing page for current rates.
Can I use Phone.com as an auto dialer?
No. Its terms ban auto-dialing and predictive dialing.
How long does Phone.com keep recordings?
13 months in call logs. The terms commit to only 30 days.
How do I cancel Phone.com?
Call the loyalty line on a weekday. Email and text requests aren't accepted.
How long does Phone.com texting registration take?
3 to 15 business days for the campaign after the brand is in.
How we researched this review. We based this review on the terms and product pages published by Phone.com, reviewed in October 2026, together with our team's experience working with insurance agents and agency owners since 2008.
Corrections
Vendors change their pricing all the time and they don't email us when they do. So if you see a price on here that's gone up, a plan Phone.com quit selling or a contract term that reads different now, let us know and send the link to the page where Phone.com has it. Somebody here pulls up that page and checks it before we change anything on ours.